Business insurance includes products designed to protect risks inherent to commercial enterprise such as commercial property, liability, business vehicles, workers compensation, and bonds.
We have special expertise in the following programs:
As an independent agent, we represent numerous commercial insurance companies offering a variety of coverage and price options. Equally important, we listen. We take the time to understand your business needs. We help you find the coverage you need at a price you can afford.
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Commercial property insurance protects a business against the loss or loss of use of company assets. Company assets generally include buildings, contents including equipment, furniture, inventory and supplies, as well as income and the ability to maintain the operations of the enterprise. Company assets may also include such things as cash on the premises and valuable papers.
Property coverage can be written two different ways. Named perils coverage protects the business from losses caused by the specific perils listed in the policy. All-risk coverage protects the business from all causes of loss except those specifically named in the policy.
Property can be valued two ways. Replacement-cost coverage pays to fully replace damaged property. Actual cash value (ACV) coverage pays the cost of replacing damaged property less depreciation at the time of loss.
While individual property insurance policies are available, many businesses find it more cost effective to buy a package policy that includes both property and liability coverage. For larger businesses, a combined property/liability policy is often referred to as a Commercial Multi-Peril (CMP) policy. Smaller businesses can get similar coverage in a Business Owners Policy (BOP) policy.
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